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B3 · BRL

PINE3

Banco PINE S.A.

R$11.32+4.43% (R$0.48)
Day's range
R$10.70 – R$11.58
Day's volume
R$94k
52-week range
R$7.75 – R$15.67

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See how PINE3 weighs in your net worth, what it has paid you and how far it is from your target allocation.

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PINE3 in numbers

Market cap
R$3bn
P/E
4.84
P/B
1.62
Dividend yield (12m)
8.66%

The 12-month dividend yield of PINE3 is 8.66%, above its 5-year average of 4.05%.

PINE3 price history

01/10/202530/09/2026
Compare with

PINE3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+39.87%+241.78%+60.85%
Volatility (annualised)39.23%75.09%111.94%
Largest drawdown-19.43%-45.59%-84.27%
Positive months9/1220/3623/60

How much did investing in PINE3 return?

R$1,000.00 invested on 01/09/2021 would be worth R$1,563.01 today.

Value today in PINE3
R$1,563.01
Return over the period
+56.30%
Return per year
+9.34%
In the Ibovespa
R$1,657.66

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

PINE3 fundamentals

Valuation

  • P/E
    4.84
  • P/B
    1.62
  • EV/EBITDA
    —
  • EV/EBIT
    —
  • EV/Revenue
    0.54
  • P/EBIT
    —
  • P/S
    0.54
  • P/OCF
    72.83
  • P/FCF
    -186.78
  • Earnings yield
    —
  • PEG ratio
    0.03
  • Earnings per share
    R$2.34
  • Book value per share
    R$6.98

Debt

  • Net debt
    —
  • Net debt/EBITDA
    —
  • Net debt/Equity
    —
  • Debt/Equity
    —
  • Current ratio
    1.05
  • Quick ratio
    0.01
  • Cash ratio
    —

Efficiency

  • Gross margin
    30.62%
  • EBITDA margin
    —
  • Operating margin
    —
  • Net margin
    10.78%
  • Asset turnover
    0.16

Profitability

  • ROE
    33.46%
  • ROA
    1.71%
  • ROIC
    —
  • Payout
    41.95%

Growth

  • Revenue CAGR (5 years)
    —
  • Earnings CAGR (5 years)
    —
  • Revenue growth (year)
    70.21%
  • Earnings growth (year)
    337.31%
  • Revenue growth (quarter)
    17.56%
  • Earnings growth (quarter)
    133.80%

What is PINE3's fair price?

Two classic value formulas, with today's numbers. The current price is R$11.32.

Graham's fair price
R$19.16
69.30% above the price

√(22.50 × R$2.34 × R$6.98)

Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.

Bazin's ceiling price
R$4.50
60.28% below the price

R$0.27 (5-year average) ÷ 6%

Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.

Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.

PINE3 indicators by year

Multiples at each year's closing price; margins and returns from that year's accounts.

Indicator20252024202320222021202020192018
P/E6.6410.276.1937.58574.16-19.89-12.22-26.81
P/B2.050.971.122.041.761.711.601.33
Dividend yield5.18%13.16%1.92%0.00%0.00%0.00%0.00%0.00%
Earnings per shareR$1.87R$0.45R$0.85R$0.25R$0.02-R$0.48-R$0.78-R$0.36
Book value per shareR$6.04R$4.73R$4.67R$4.66R$5.42R$5.56R$5.95R$7.17
ROE30.88%9.46%18.10%5.44%0.31%-8.62%-13.12%-4.96%
Gross margin28.81%16.78%9.98%1.88%42.68%54.46%21.43%2.97%
Net margin9.29%3.62%8.70%3.21%0.16%-5.82%-12.94%-5.68%

PINE3 financial statements

Line202520242023202220212020
Net revenueR$4.8bnR$2.8bnR$2bnR$1.5bnR$1.5bnR$1.2bn
Cost of sales-R$3.4bn-R$2.3bn-R$1.8bn-R$1.4bn-R$874.2m-R$555.7m
Gross profitR$1.4bnR$470.5mR$203.8mR$27.8mR$651mR$664.5m
EBITDA——————
EBIT——————
Net finance result——————
Profit before taxR$561mR$17.3mR$250.3mR$80.7mR$10.5m-R$141.8m
Income tax-R$128.1mR$84.4m-R$72.6m-R$33.4m-R$8mR$70.8m
Net incomeR$443.6mR$101.4mR$177.7mR$47.3mR$2.5m-R$71m

Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.

PINE3 against its sector

The same indicators for the company's other shares and the sector's largest stocks.

StockP/EP/BDividend yield (12m)ROEMarket cap
PINE3Banco Pine4.841.628.66%33.46%R$3bn
ITUB4ITAU UNIBANCO HOLDING S.A.10.432.247.15%21.50%R$511.8bn
ITUB3ITAU UNIBANCO HOLDING S.A.11.412.456.53%21.50%R$511.8bn
BPAC3BCO BTG PACTUAL S.A.15.683.481.91%22.20%R$271.9bn
BPAC5BCO BTG PACTUAL S.A.13.142.922.28%22.20%R$271.9bn
BBDC4BCO BRADESCO S.A.7.921.086.80%13.66%R$183.9bn
BBDC3BCO BRADESCO S.A.6.940.957.05%13.66%R$183.9bn

Does PINE3 pay dividends?

Dividend yield per year

  • 0.00%2017
  • 0.00%2018
  • 0.00%2019
  • 0.00%2020
  • 0.00%2021
  • 0.00%2022
  • 1.92%2023
  • 13.16%2024
  • 5.18%2025
  • 5.51%2026
Payment history
TypeLast day to ownPaymentPer share
Interest on equity14/07/202622/07/2026R$0.27
Interest on equity20/04/202630/04/2026R$0.22
Dividend08/01/202616/01/2026R$0.03
Interest on equity08/01/202616/01/2026R$0.10
Interest on equity16/10/202527/11/2025R$0.25
Interest on equity20/10/202529/10/2025R$0.10
Interest on equity16/07/202525/07/2025R$0.11
Interest on equity10/04/202525/04/2025R$0.08
Dividend19/02/202528/02/2025R$0.01
Interest on equity06/01/202516/01/2025R$0.08
Interest on equity10/10/202422/11/2024R$0.16
Interest on equity14/10/202421/10/2024R$0.08
See all 81 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Interest on equity08/07/202415/07/2024R$0.08
Interest on equity11/04/202418/04/2024R$0.08
Interest on equity08/01/202415/01/2024R$0.21
Interest on equity31/07/202310/08/2023R$0.10
Interest on equity31/03/201615/04/2016R$0.16
Interest on equity30/06/201515/07/2015R$0.16
Interest on equity31/03/201515/04/2015R$0.15
Interest on equity30/12/201415/01/2015R$0.12
Dividend30/06/201416/07/2014R$0.03
Dividend01/04/201414/04/2014R$0.03
Interest on equity01/04/201414/04/2014R$0.14
Interest on equity30/12/201313/01/2014R$0.15
Dividend30/12/201313/01/2014R$0.13
Interest on equity18/04/201329/04/2013R$0.00
Dividend18/04/201329/04/2013R$0.00
Dividend28/03/201310/04/2013R$0.14
Interest on equity28/03/201310/04/2013R$0.14
Dividend28/09/201211/10/2012R$0.16
Interest on equity28/09/201211/10/2012R$0.14
Dividend30/03/201212/04/2012R$0.00
Interest on equity30/03/201212/04/2012R$0.15
Interest on equity29/12/201112/01/2012R$0.17
Dividend29/12/201112/01/2012R$0.31
Dividend30/09/201113/10/2011R$0.02
Interest on equity30/09/201113/10/2011R$0.16
Interest on equity30/06/201112/07/2011R$0.15
Interest on equity31/03/201111/04/2011R$0.15
Dividend31/03/201111/04/2011R$0.03
Interest on equity30/09/201013/10/2010R$0.15
Dividend30/09/201013/10/2010R$0.09
Interest on equity30/06/201013/07/2010R$0.15
Dividend30/06/201013/07/2010R$0.09
Dividend31/03/201013/04/2010R$0.03
Interest on equity31/03/201013/04/2010R$0.15
Dividend30/09/200913/10/2009R$0.03
Interest on equity30/09/200913/10/2009R$0.15
Dividend30/06/200914/07/2009R$0.09
Interest on equity30/06/200914/07/2009R$0.15
Dividend31/03/200913/04/2009R$0.15
Interest on equity31/03/200913/04/2009R$0.15
Dividend30/12/200813/01/2009R$0.08
Interest on equity30/12/200813/01/2009R$0.15
Interest on equity30/09/200813/10/2008R$0.15
Interest on equity30/06/200811/07/2008R$0.14
Dividend29/01/200815/02/2008R$0.04
Interest on equity17/01/200801/02/2008R$0.24
Interest on equity30/01/2023—R$0.06
Interest on equity30/06/2016—R$0.06
Interest on equity04/01/2016—R$0.20
Interest on equity30/09/2015—R$0.18
Interest on equity30/09/2014—R$0.14
Interest on equity30/06/2014—R$0.14
Interest on equity30/09/2013—R$0.14
Dividend30/09/2013—R$0.13
Dividend28/06/2013—R$0.13
Interest on equity28/06/2013—R$0.14
Interest on equity28/12/2012—R$0.15
Dividend28/12/2012—R$0.13
Interest on equity29/06/2012—R$0.15
Dividend29/06/2012—R$0.10
Interest on equity29/12/2011—R$0.17
Dividend29/12/2011—R$0.31
Dividend30/06/2011—R$0.08
Dividend30/12/2010—R$0.09
Interest on equity30/12/2010—R$0.15
Dividend30/12/2009—R$0.03
Interest on equity30/12/2009—R$0.15
Interest on equity30/04/2008—R$0.14
Interest on equity20/07/2007—R$0.18
Splits, share consolidations and bonus shares
EventLast day to ownRatio
Bonus shares06/01/201411.52% in shares

About Banco Pine

Sector
Serviços Financeiros
Segment
Bancos
Listing segment
Level 2
Tag along
100.00%
Free float
27.25%
Shares issued
129.95m ordinary · 123.94m preferred
Average daily trading
R$95.1k
Listed since
02/04/2007
CNPJ
62.144.175/0001-20

Banco Pine S.A. é uma instituição financeira brasileira que oferece serviços bancários e de investimentos para pessoas físicas e jurídicas. O banco atua em segmentos de varejo, private banking e corporate, fornecendo produtos como contas correntes, poupança, empréstimos, financiamentos, investimentos e serviços de gestão patrimonial. Com operações em múltiplas cidades brasileiras, o Banco Pine posiciona-se como instituição financeira de médio porte, focando em atendimento personalizado e soluções financeiras customizadas para seus clientes. A instituição investe em tecnologia digital para modernizar seus serviços e melhorar a experiência bancária.

Investor website
ShareholdersAs of 31/12/2026, from the Formulário de Referência filed with the CVM.
ShareholderOrdinaryPreferredTotal
NOBERTO NOGUEIRA PINHEIROControlling96.04%32.80%65.17%
Clube de Investimento Horizonte0.71%6.99%3.77%
FRANCISCO ASCLEPIO BARROSO AGUIAR0.53%5.85%3.12%
Outros2.55%53.15%27.25%
Ações Tesouraria0.17%1.22%0.68%

Questions about PINE3

How much is PINE3 today?

PINE3 is at R$11.32 (4.43% on the day), last traded on 30/09/2026.

How much did PINE3 pay in dividends in 2025?

PINE3 paid R$0.64 per share in 2025, a dividend yield of 5.18%.

What are the P/E and P/B of PINE3?

PINE3 trades at a P/E of 4.84 and a P/B of 1.62.

How much did PINE3 return in 12 months?

PINE3 returned 39.87% in 12 months, with annualised volatility of 39.23% and a largest drawdown of -19.43%.

What sector is PINE3 in?

Banco Pine is in the Serviços Financeiros sector, Bancos segment.